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NOk,t- 16-2005 00 : 56 ARTHUR GALLAGHER 3057163293 Pa02 <br /> MINIMUM <br /> IMPORTANT <br /> if the certificate holder is an ADDITIONAL INSURE [) , the policy(ies ) must be endorsed , A statement <br /> on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s) . <br /> if SUBROGATION IS WAIVED , subject to the terms and conditions of the policy, certain policies may <br /> require an endorsement , A statement on this certificate dors not confer rights to the certificate <br /> holder in lieu of such endorsement(s ), <br /> DISCLAIMER <br /> The Certificate of Insurance on the reverse side of this form does not constitute a oontract tetween <br /> the issingr producer , and t�e <br /> affirmativelyfor negatnsurer(sively `amend extsnd ora ter horized reresentative othe coverage afforded by�the policies listed r <br /> thereondoes ` <br /> ACORD 25 (2001 !08) <br /> TOTAL P . e2 <br />